A small shopping complex can be constructed for ` 5,000,000. The financing requires ` 500,000 down (you pay) and a ` 4,500,000 loan at 10%, with equal annual payments. The gross income for the first year is estimated at ` 600,000 and is expected to increase 5% per year thereafter. The operating and maintenance costs and taxes should average about 40% of the gross income and rise at the same 5% annual rate. The resale value in 30 years is estimated at ` 10,000,000. Find the rate of return on this investment over the 30-year life. Solve the problem assuming that the increase follows (i) arithmetic gradient and (ii) geometric gradient.